JPH08138113A - Automatic transaction device - Google Patents

Abstract

PURPOSE: To make a person who is unfamiliar with the operation of an automatic transaction device possible to execute the operation without being in a hurry and with composure by setting plural long and short thresholds regulating display continuous time for every input screen and constituting display continuing time so that the length can be selected by the selection of the threshold. CONSTITUTION: A threshold T1 regulating regular display continuous time and a threshold T2 longer than the threshold T1 are made into a pair among the thresholds stored in a threshold storage part 12B and they are stored. The length of the threshold T1 for the respective input guide screens is set in accordance with the complication of the operation required in respective scenes, and the length of the threshold T2 making a pair with the threshold T1 is set in accordance with the threshold T1 . The two kinds of long and short thresholds T1 and T2 can be selected by the operation of a touch panel displayed on a display after transaction by the automatic transaction device 10 is started. When the operator who is not familiar with the transaction selects display continuous time, the display continuous time of the input screen is set to be comparatively long.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction apparatus which is installed in a financial institution or the like and carries out transactions by the operation of the customer himself.

[0002]

2. Description of the Related Art Generally, financial institutions such as banks generally use
An automatic transaction device (A) that can perform various transactions such as deposit / withdrawal transactions and transfer transactions by the operation of the customer himself.
T) is installed. In such an automatic transaction device,
A predetermined transaction can be automatically performed by inputting appropriate information within the display continuation time set for each guide screen according to the guide displayed on the display device.
In addition, in order to improve the operating efficiency of such an automatic transaction device, when information is not input within the display duration of the guidance screen, the series of procedures up to that point are invalidated and the initial guidance screen is returned. Is set to.

[0003]

However, the transfer procedure by the automated teller machine is relatively complicated. In such a relatively complicated transaction operation, for an unfamiliar person who does not understand the next operation to be performed well, the set display duration is extremely short, and it is not possible to input appropriate information within this short display duration. It is often difficult. Therefore, there has been a demand for the appearance of an automatic transaction device that is kind to those who are unfamiliar with the automatic transaction device and that can appropriately increase the operating efficiency.

[0004]

In order to solve the above-mentioned problems, an automatic transaction device according to the present invention basically has a plurality of long and short thresholds as a threshold for defining a display duration for each input screen. Is set, and the length of the display duration can be selected by means of selecting any one from a plurality of thresholds.

[0005]

In the automatic transaction apparatus of the present invention, when an operator who is familiar with handling selects a short display duration by operating the selection means, the display duration of the input screen is set to be relatively short. Those who are accustomed to the operation can proceed with the transaction operation relatively easily without being confused by the operation. Further, when an operator unfamiliar with handling selects a long display duration by operating the selection means, the display duration of the input screen is set to be relatively long. As a result, a person who is unfamiliar with the operation of the automatic transaction apparatus can operate the system with plenty of time without being rushed.

[0006]

The present invention will be described in detail below with reference to the illustrated embodiments. FIG. 1 is a block diagram showing an embodiment of an automatic transaction device according to the present invention. Automatic transaction device 1 according to the present invention
As shown in FIG. 1, 0 is a processor 12 that controls various controls as an automatic transaction device, a card reader / print mechanism 16 connected to the processor 12 via an input / output control mechanism 14 that is an interface, Banknote deposit / withdrawal mechanism 18, coin deposit / withdrawal mechanism 20, passbook entry mechanism 22, screen display mechanism 24, input operation mechanism 26, and magnetic storage mechanism 2.
8 is provided. The processor 12 is a communication control mechanism 30 for controlling transmission / reception of a message with a host computer (not shown).
Via a communication line 32 to the host computer.

When a cash card is used as a transaction medium, the card reader / print mechanism 16 reads the magnetic data of the cash card and prints a receipt of the transaction contents. The bill depositing / dispensing mechanism 18 and the coin depositing / dispensing mechanism 20 respectively perform discrimination, counting, and withdrawing of a designated number of deposited bills or coins. The passbook entry mechanism 22 prints the transaction contents on the passbook when the passbook is used for the transaction.

The screen display mechanism 24 is provided with a display for displaying item guides of transaction contents or input guides for transaction operations. The input operation mechanism 26 includes, for example, a touch panel displayed on the display of the screen display mechanism 24. The magnetic storage mechanism 28 is composed of a hard disk device, a random access memory, or the like, and stores programs and data relating to various transactions executed by the processor 12.

FIG. 2 is a perspective view showing an example of the automatic transaction device 10 according to the present invention. On the front of the automatic transaction device 10, a card insertion / ejection port 16A of a card reader / print mechanism 16 and a banknote deposit / withdrawal port 18 of a banknote deposit / withdrawal mechanism 18.
A, a coin deposit / withdrawal port 20A of the coin depositing / dispensing mechanism 20 and a passbook insertion / discharging port 22A of the passbook entry mechanism 22 are provided. Furthermore, on the front of the automatic transaction device 10,
A display 24A of the screen display mechanism 24 is provided, and an input operation mechanism 26 is provided on the display 24A.
The touch panel 26A is displayed.

In the automatic transaction apparatus 10, as is well known in the art, the operator can input information by operating the touch panel 26A along each input guidance screen displayed on the display 24A. By repeating this input guidance screen and the response to it on the touch panel 26A, various transactions are selected and the transactions are executed.

As shown in FIG. 1, the processor 12 includes a clock section 12A for timing the display duration time T of each input guidance screen for the transaction contents displayed on the display 24A, and each input guidance screen. A threshold storage unit 12B in which a threshold defining the display duration is stored, and a threshold storage unit 12
A comparison unit 12C, which is, for example, a gate circuit for comparing the threshold value stored in B with the display duration time measured by the time counting unit 12A, and each input displayed on the display 24A based on a signal from the comparison unit 12C. A display control unit 12D that controls the flow of the guidance screen is provided.

The threshold value stored in the threshold value storage unit 12B includes a threshold value T1 which defines a normal display duration and a longer threshold value T2 which is set longer than this threshold value, for example, 1.5 times to 2 times T1. Two types of threshold values are stored as one set. The threshold T1 for each input guidance screen is set to be long or short according to the complexity of the operation required for each scene,
Similarly, the threshold value T2 paired with the threshold value T1 is set to be long or short.

Of course, in order to make the display duration time uniform for each input guidance screen, the threshold value T1 and the long threshold value T2 that define the normal display duration time are set to constant values regardless of each input guidance screen. can do. However, as with the transfer transaction described later, it is a complicated transaction compared to other deposit or withdrawal transactions, and the display duration of the input guide screen is It is desirable for a person who is unfamiliar with the operation of the automatic transaction device 10 to set the input guidance screen longer than those.

The selection of the long and short threshold values T1 and T2 can be performed by operating the touch panel 26A displayed on the display 24A after the transaction is started in the automatic transaction device 10. When one of the thresholds T1 and T2, which is compared with the display duration of the input guidance screen by the comparison unit 12C, is selected by the operation of the touch panel 26A which is the selection unit, the subsequent input guidance screens are correspondingly selected. The display duration is defined by the selected threshold T1 or T2.

Simultaneously with the selection of the threshold value by operating the touch panel 26A, the guidance content of the input guidance screen can be uniquely selected between the normal guidance screen and the detailed guidance screen. Therefore, the magnetic storage mechanism 28 stores the normal guide screen data 28A and the detailed guide screen data 28B, and when the relatively short threshold value T1 is selected by the operation of the touch panel 26A, the display control unit 12D:
Display the normal guidance screen data 28A screen 24
Display on A. When the relatively long threshold T2 is selected, the display control unit 12D causes the detailed guidance screen data 28B to be displayed.
Is displayed on the display 24A.

Next, the operation of the automated teller machine 10 will be described in accordance with the transfer procedure which seems to be relatively complicated. FIG. 3 is a flowchart showing a transfer processing procedure by the automatic transaction device according to the present invention. Display 24A
When the touch panel 26A is operated along with the guidance on the screen from the transaction menu displayed on the screen and "Transfer" is selected, the difficulty level selection screen is displayed on the display 24A (step S1).

In this difficulty level selection screen, a threshold value T1 defining a normal display duration time which is a threshold value stored in the threshold value storage section 12B described above and a threshold value T2 longer than this threshold value.
It is a screen for requesting selection of either one of the above.

FIG. 4 is an explanatory view showing an example of the difficulty level selection screen. On the display 24A shown in FIG. 4, the "easy transfer" key 34 indicated by the guide display for the operator who is unfamiliar with the operation and the "friendly transfer" key indicated by the guide display for the operator who is accustomed to the operation. The "transfer" key 36 is displayed. When the "transfer" key 36 is pressed, the short threshold value T1 is selected and the normal guidance screen data 28A is selected. In this case, the display continuation time of each input screen displayed thereafter is defined by the respective relatively short threshold values T1.
If appropriate information is not input within the time of 1, the procedure up to that point is invalidated and the display 24A returns to the initial guidance screen. Further, the display contents of each input screen are also the same as the conventional contents.

On the other hand, when the "gentle transfer" key 34 is pressed, the long threshold value T2 is selected and the detailed guidance screen data 28B is selected. In this case, the display continuation time of each input screen displayed thereafter is defined by a relatively long threshold value T2, and the display content of each input screen is compared with the conventional description, as will be described in detail later. Then a detailed explanation is displayed. Therefore, the operator can calmly input appropriate information within a relatively long time limit defined by the long threshold value T2 in accordance with a more detailed description. When proper information is not input within the threshold value T2, the display 24A returns to the initial guidance screen in the same manner as described above for the efficient operation of the automated teller machine 10.

After selecting the difficulty level selection screen, the display 24A displays a use medium selection screen (step S2) for requesting input of information about whether the transfer person selects a passbook or a cash card as a transaction medium. A financial institution name input screen (step S3) for specifying the transfer destination financial institution, a branch name input screen for specifying the branch name of the financial institution (step S4), and whether the transfer destination account is current or ordinary A specific account type selection screen (step S5), an account number input screen (step S6) and a recipient name input screen (step S7) for specifying the transfer destination account number and recipient, respectively, are displayed according to the input of appropriate information. Are displayed in sequence.

Further, a client name input screen (step S8) for requesting the transfer requester and the telephone number thereof, a client phone number input screen (step S9), and a selection screen for selecting whether the transfer is handled as a telegraphed document (step) S1
0), the transfer amount input screen (step S11) and the like are sequentially displayed in the same manner. When appropriate information is input to each of these input screens, a message is sent by the processor 12 to the host computer via the communication line 32 for inquiring about the transfer information, etc. An input screen is displayed (step S12). By this confirmation operation, the ledger is rewritten and the transfer transaction is completed.

Thus, after selecting the difficulty level selection screen,
Various guides and input screens (steps S2 to S12) for requesting information for them are displayed on the display 24A. The display continuation time and the guide screens are selected on the difficulty level selection screen (step S1). Based on the operation of the keys 34 and 36.

5 and 6 are explanatory views showing examples of the detailed guide screen displayed on the display 24A. Figure 5
The screen on the display 24A shown in FIG.
It is an example of a detailed guidance screen for requesting the input of the account number of the transfer destination described in 6. In this screen, the account number can be entered in the account number column 40 by selectively pressing the number keys from the number key group 38. Further, on this screen, a “correction” key 42 and a “single-character correction” key 44 are shown as keys for correcting the number that is erroneously input.

However, it is difficult for those who are unfamiliar with the operation to instantly understand the difference in function between the keys 42 and 44. Therefore, even if the display duration time of this screen is set to a long time by the long threshold value T2, the whole sentence that has been hard-worked and input may be mistakenly deleted in an instant. Further, the operator may feel impatience because the correction work is completed within this time.

In order to prevent such a situation, the "correction" key 42 is set in the account number column 4 on the detailed guide screen in step S6, as indicated by the portion surrounded by the broken line 46.
The explanation of the difference in the function that it is the correction by batch deletion of all the numerical values input to 0 and the "one character correction" key 44 is the deletion for each character is displayed. By reading this explanation, even an operator unfamiliar with the operation can immediately understand the difference between the functions of the keys 42 and 44, and enter the correct numerical value in a timely manner without being rushed. You can

The screen on the display 24A shown in FIG. 6 is an example of a detailed guide screen for requesting the input of the payee's name as the transfer destination described in step S7. On this screen, if the recipient is a corporation, for example, the katakana key group 48 may be used to enter "corporation". However, by pressing the "Select corporation" key 50, the "Katakana" key group 48 "Incorporated"
In addition to the display of the normal guide screen, a guide indicating that correct input can be promptly made without any input operation is displayed in a portion indicated by reference numeral 52. Therefore, following this guide,
By using the "select corporation" key 50, even an inexperienced person can input information accurately and promptly.

In the automatic transaction device 10, by selecting the difficulty level selection screen (step S1), only the display duration time of the screen is set to the threshold values T1 and T2 without introducing the detailed guidance screen.
It can be variable between and. However, in addition to the selection of the threshold value, various kinds of detailed guidance screens may be introduced as guidance screens, whereby the operation of the automatic transaction device 10 can be performed more easily.

Even if the "transfer" key 36 is selected on the difficulty level selection screen (step S1), the operator should display a detailed guidance screen as a so-called help screen when the operation is stalled. You can FIG. 7 is a flowchart showing the detailed guidance selection procedure. In the normal input screen (step S21) shown in FIG. 7, the normal "transfer" key 3 is selected by selecting the difficulty level selection screen (step S1).
Guide screens when 6 is selected (steps S2 to S1
2). For example, it is assumed that the financial institution name input guidance screen (step S3) described with reference to FIG. 3 is displayed. This input guidance screen (step S21) is a normal guidance screen.

When the information input operation is completed within the time defined by the normal short threshold value T1 after this input guidance screen is displayed (step S22), the subsequent branch name input guidance screen (step S4) is displayed. Move. However, if the input operation of information is not completed within the predetermined time T1, the display control unit 12D forcibly requests the selection of whether or not to move to the detailed description (step S2).
4) is displayed.

FIG. 8 shows an example of the detailed guide selection screen.
On the screen on the display 24A in step S24, in the illustrated example, a "no need" key 54 for not requiring detailed explanation and a "necessary" key 56 for requesting detailed explanation are shown. "No need" key 54 in step S25
When is operated, the initial guidance screen can be forcibly returned. Further, instead of this, for example, the time after the normal input screen is displayed in step S21 is long threshold T2.
The input of information can be awaited until the time specified by is exceeded (step S26). In the meantime, if the appropriate information is not input, the input operation up to that point is invalidated and the initial guidance screen is displayed.

If appropriate information is input to the normal input guidance screen (step S27) within the time specified in step S26 (step S28),
A normal input guidance screen (for example, step S4) is displayed. However, when the display duration of the normal input guidance screen (step S27) exceeds, for example, the short threshold value T1, the input operation up to that point is invalidated and the initial guidance screen is displayed again, as in step S26.

On the other hand, if the "necessary" key 56 for detailed explanation is operated in step S25, the detailed guide screen as shown in FIGS. 5 and 6 is displayed (step S30). If appropriate information is input while the display duration of the detailed guidance screen does not exceed the short threshold value T1 (step S31), the subsequent input guidance screen (eg step S4) is displayed. In this case, a detailed guidance screen is introduced as a series of input screens that follow.

If there is no input after the detailed proposal screen is displayed in step S30 beyond the time defined by the long threshold value T1 (step S32), the input operation up to that point is invalidated. , Return to the initial guidance screen.

According to the latter embodiment, the automatic transaction device 10
At the beginning of the operation start stage, even if the transaction operation is proceeding according to the normal guidance screen, when the operation procedure is unclear, the following guidance will be provided in detail according to the operator's familiarity level. Can be switched appropriately.

As an example of the operation of the automatic transaction apparatus 10, the example of the transfer transaction, which seems to be the most complicated operation, has been described, but the present invention is not limited to this, and the present invention can be applied to various transactions such as deposit or payment. it can.

[0036]

As described above, according to the automatic transaction apparatus of the present invention, it is possible to select the length of the display continuation time for each input screen. Therefore, an operator unfamiliar with handling can display a long display by operating the selecting means. By selecting the duration, it is possible to operate in a relaxed manner without rushing.
Therefore, it is kind to those who are unfamiliar with automatic transaction equipment,
Moreover, there is provided an automatic transaction device capable of appropriately increasing the operation efficiency.

[Brief description of drawings]

FIG. 1 is a block diagram schematically showing an automatic transaction device according to the present invention.

FIG. 2 is a perspective view showing an example of an automatic transaction device according to the present invention.

FIG. 3 is a flow chart showing a transfer processing procedure by the automatic transaction device according to the present invention.

FIG. 4 is an explanatory diagram showing an example of a difficulty level selection screen of the automatic transaction device according to the present invention.

FIG. 5 is an explanatory diagram showing an example of a detailed guidance screen of the automatic transaction device according to the present invention.

FIG. 6 is an explanatory diagram showing another example of the detailed guidance screen of the automatic transaction device according to the present invention.

FIG. 7 is a flowchart showing a procedure for selecting detailed guidance by the automatic transaction device according to the present invention.

FIG. 8 is an explanatory diagram showing an example of a detailed guidance selection screen of the automatic transaction device according to the present invention.

[Explanation of symbols]

 10 Automatic Transaction Device 12A Timing Section 12B Threshold Recording Section 12C Comparison Section 12D Display Control Section 26A Selection Means T1, T2 Threshold

Claims (3)

[Claims] 1. An automatic transaction apparatus for automatically performing transactions by inputting information in accordance with guidance of an input screen for transaction operation, the timer unit for measuring a display duration of each of the input screens, and the input. A threshold recording unit in which a plurality of long and short thresholds that define the display duration for each screen are recorded, a selection unit that selects any one of the plurality of thresholds, the threshold selected by the selection unit, and the An automatic transaction apparatus including: a comparison unit that compares display durations of input screens; and a display control unit that controls switching of the input screens based on a signal from the comparison unit. 2. The display control unit displays a normal guide screen when a short threshold value is selected by the selection unit,
The automatic transaction apparatus according to claim 1, wherein a detailed guidance screen is displayed when a long threshold is selected. 3. The selection screen of a normal guidance screen and a detailed guidance screen when the display duration of the operation screen exceeds the short threshold while the short threshold is selected by the selection means. Is displayed, and when the detailed guidance screen is selected, the detailed guidance screen is displayed in the following display guidance.